User Agreement
This User Agreement covers the platform-wide rules that apply to every SariKo account, buyer or seller. It works alongside — not instead of — the Buyer Terms, Seller Agreement, and Privacy Policy. Where a role-specific document says something more specific than this one, the role-specific document controls.
About SariKo and How These Terms Fit Together
SariKo is a marketplace platform operated by Zen Tech Asia Co., Ltd. ("SariKo," "we," "us"), connecting Filipino diaspora sellers in Ho Chi Minh City with buyers seeking Filipino food, goods, and services. Zen Tech Asia Co., Ltd. is a subsidiary of BridgeTech Labs, Inc., a Delaware C-Corporation, which serves as the global holding and investment vehicle for the platform.
Every SariKo account is governed by four documents together: this User Agreement (platform-wide rules), the Buyer Terms or Seller Agreement (whichever applies to your account, or both if you use both), and the Privacy Policy. By creating an account you accept all documents that apply to your role.
Eligibility and Your Account
You must be at least 18 years old to create a SariKo account. You are responsible for keeping your login credentials confidential and for all activity under your account. Notify us immediately at poppet@sariko.store if you suspect unauthorized use.
One account per person, unless SariKo agrees in writing to an exception (for example, a seller operating under a registered business entity). Account details must be accurate and kept up to date.
Acceptable Use
Regardless of whether you use SariKo as a buyer, seller, or both, you agree not to:
- Use the platform for any unlawful purpose, including fraud or money laundering;
- Attempt to circumvent, disable, or interfere with security features of the platform;
- Scrape, harvest, or misuse data from the platform beyond your own account activity;
- Impersonate another person or misrepresent your affiliation with any person or entity;
- Harass, threaten, or abuse other users or SariKo staff in any platform communication.
Conduct specific to selling (listings, fulfillment, commission avoidance) is addressed in the Seller Agreement; conduct specific to buying (disputes, delivery, payment) is addressed in the Buyer Terms.
Intellectual Property
The SariKo name, logo, and the platform's software, design, and content (excluding seller-submitted listings, which are addressed separately in the Seller Agreement) are owned by Zen Tech Asia Co., Ltd. or its licensors. You may not copy, modify, or create derivative works from the platform itself without written permission.
You retain ownership of anything you submit to the platform (messages, reviews, seller listings). By submitting content, you grant SariKo a license to use it to operate and promote the platform, as described further in the Seller Agreement for listing content specifically.
Disclaimers and Limitation of Liability
SariKo is a marketplace intermediary. We do not manufacture, own, or guarantee the goods or services sold by sellers, and we do not guarantee buyers will find what they're looking for. The platform is provided "as is" without warranties of any kind beyond what Vietnamese consumer protection law requires.
To the maximum extent permitted by law, SariKo's total liability under this User Agreement is limited as further specified in the Buyer Terms and Seller Agreement, whichever applies to the claim. Nothing in this Agreement limits liability that cannot be limited under Vietnamese law.
Suspension and Termination
SariKo may suspend or terminate an account for violation of this Agreement, the applicable role-specific agreement, or Vietnamese law, with notice where practicable and immediately where necessary to prevent harm or fraud. You may close your account at any time by writing to poppet@sariko.store, subject to completing any orders already in progress.
Dispute Resolution and Governing Law
Buyer-seller transaction disputes follow the process in the Buyer Terms. Disputes between you and SariKo about this User Agreement are governed by the laws of the Socialist Republic of Vietnam, with the courts of Ho Chi Minh City having non-exclusive jurisdiction, consistent with the Seller Agreement's arbitration clause where a seller relationship is involved.
Changes to This Agreement
We may update this Agreement with at least 14 days' notice by email or in-app notification before changes take effect. Continued use of SariKo after that date constitutes acceptance. The current version is always available at sariko.store/terms.
Contact
Questions about this Agreement: poppet@sariko.store · Zen Tech Asia Co., Ltd., 195/3 Dien Bien Phu, Binh Thanh District, Ho Chi Minh City, Vietnam.
Buyer Terms of Service
Simple terms. No hidden fees. Your money is protected until your order arrives. By creating a SariKo buyer account, you accept the terms below.
About SariKo
SariKo is a marketplace platform operated by Zen Tech Asia Co., Ltd. (MST 0316852554), 195/3 Dien Bien Phu, Binh Thanh District, Ho Chi Minh City, Vietnam. SariKo connects Filipino diaspora sellers in HCMC with buyers who want Filipino food, goods, and services. SariKo acts as an intermediary — it does not own or produce the goods sold on the platform.
Creating a Buyer Account
To create a buyer account you need only a valid email address or Vietnam phone number. You do not need to upload any ID document. You are responsible for keeping your login credentials secure. You must be at least 18 years old to create an account.
| Requirement | Required? | Why |
|---|---|---|
| Email or phone number | Required | Login, order confirmations, dispute communication |
| Delivery address | Required | Tells the courier where to deliver, per order |
| Government ID / passport | Not required | VNPay handles payment KYC independently |
| Bank account details | Not required | You pay via VNPay — SariKo never sees your bank details |
| Payment method | Via VNPay | Any Vietnam bank app, Napas card, Visa/MC, or e-wallet |
What You Pay — and What You Don't
Prices are displayed in Vietnamese Dong (VND). If you pay with a foreign-issued card, your bank applies its own conversion rate — SariKo has no control over this.
At checkout you pay: (1) Goods total — the seller's listed price; (2) Delivery fee — calculated by the delivery provider based on distance from seller to your address.
Payment — How It Works
All payments are processed by VNPay, a payment intermediary licensed by the State Bank of Vietnam. Accepted methods: VNPay QR, Napas debit card, Visa/Mastercard, and e-wallets (MoMo/ZaloPay, phase 2).
SariKo never stores your card number, bank account credentials, or payment details — these are handled entirely within VNPay's secure environment.
Delivery
Deliveries are fulfilled by Lalamove. The driver collects from the seller and delivers to your address. SariKo is not responsible for delays caused by traffic, weather, or courier service issues beyond its control.
You agree to provide an accurate delivery address. Delivery fees are non-refundable once the booking is confirmed, except where the delivery failure is the seller's fault.
Confirming Delivery — Important
If you do not confirm or deny delivery within 48 hours of the scheduled delivery time, the order is automatically marked delivered and the seller is paid.
Refunds and Disputes
See the standalone Refund Policy for the full process. In short: you may raise a dispute within 48 hours of scheduled delivery if the order wasn't received, arrived wrong or damaged, or the seller cancelled after payment. Disputes cannot be raised after you've confirmed delivery.
Your Responsibilities as a Buyer
- Provide an accurate delivery address for each order;
- Be available to receive your order within the delivery window;
- Not abuse the dispute process — fraudulent disputes may result in account suspension;
- Not use SariKo for any unlawful purpose;
- Treat sellers respectfully in platform communications.
Do Buyers Pay Tax?
Data and Privacy
SariKo collects your email/phone, delivery addresses, and order history to operate the platform under Vietnam's Decree 13/2023/NĐ-CP. See the full Privacy Policy for details. SariKo does not sell your data.
Limitation of Liability
SariKo's liability to you is limited to the total value of the order giving rise to the claim. SariKo is not liable for food quality issues where the seller prepared correctly, courier delays beyond SariKo's control, or indirect losses from platform use.
Changes, Governing Law & Contact
SariKo may update these terms with 14 days' notice. These terms are governed by Vietnamese law; unresolved disputes may be referred to the courts of Ho Chi Minh City. Contact: poppet@sariko.store.
Seller Agreement
Entered into between Zen Tech Asia Co., Ltd. ("SariKo" or "the Platform") and the Seller named on the signature page below.
Definitions
Platform — the SariKo Progressive Web Application at sariko.store and all associated software, infrastructure, and services.
GMV — Gross Merchandise Value: total value of goods/services sold through the Platform before commission.
Commission — the percentage of each completed Order's goods value retained by SariKo as its service fee.
Founding Seller — a Seller designated in writing during the inaugural cohort, entitled to 0% commission for the first six months from activation.
Settlement — confirmation that an Order has been delivered and received, triggering the Payout cycle.
Circular 40 — Vietnam's Circular 40/2021/TT-BTC governing taxation of e-commerce marketplace sellers.
Seller Eligibility and Requirements
SariKo welcomes Filipino nationals residing in Ho Chi Minh City as sellers. You do not need a Vietnam business registration to sell as an individual. Eligible: Filipino nationals under a valid visa, work permit, TRC, or PRC; other foreign nationals under valid immigration status; Vietnam-registered business entities with a valid business license.
Required documents
| # | Requirement | When required |
|---|---|---|
| 1 | Full legal name (as on passport/ID) Before first listing | At registration |
| 2 | Passport photo page (scan/photo) Before first listing | At registration |
| 3 | Valid Vietnam phone number Before first listing | At registration |
| 4 | HCMC residential / contact address Before first listing | At registration |
| 5 | Bank account or e-wallet number Before first payout | Before first payout |
| 6 | Vietnam Tax ID (MST) If threshold reached | If income exceeds 100M VND/yr |
| 7 | Food handling permit Food sellers only | Before first food listing |
Seller Tiers and Commission Structure
| Tier | Monthly Fee | Commission | 500K VND order → seller receives |
|---|---|---|---|
| Community (Free) | Free | 19% | 405,000 VND |
| Tindahan | ~720,000 VND/mo | 17% | 415,000 VND |
| Negosyo | ~1,200,000 VND/mo | 15% | 425,000 VND |
| Enterprise | ~2,200,000 VND/mo | 15% | 425,000 VND |
| Founding Seller (first 6 mo.) | Per tier | 0% | 100% of goods value |
SariKo reserves the right to modify tier pricing and commission rates with 30 days' advance written notice. Commission rates at the time of Order placement govern that Order's Payout. SariKo absorbs all VNPay gateway fees across all tiers — these do not reduce the Seller's Payout.
Order Processing and Payouts
Collect-and-payout model: all buyer payments are collected by SariKo via VNPay. SariKo retains the applicable Commission and remits the balance to the Seller following Settlement.
Schedule: Payouts are processed weekly. Orders settling Monday 00:01–Sunday 23:59 (GMT+7) are paid out the following Wednesday, credited within 24 hours subject to banking times.
Payout rails: Vietnam bank transfer (Napas), MoMo/ZaloPay e-wallet, Wise (Seller bears fees), or PayPal (Seller bears fees).
Seller Obligations
List only goods/services legally sellable in Vietnam; provide accurate descriptions, VND prices, and current photos; comply with food/product safety regulations; respond to new Orders within 4 hours during operating hours; never list counterfeit or IP-infringing items.
Taxation — Your Responsibilities as a Filipino Seller in Vietnam
As a Filipino resident in Vietnam, you can sell on SariKo without a business license. Most sellers earning under ~USD 4,000/year pay zero tax.
| Annual sales on SariKo | Tax on goods | Tax on services | What happens |
|---|---|---|---|
| Below 100M VND (~$4,000) | 0% | 0% | Nothing owed. SariKo reports name + earnings annually — no payment required. |
| Above 100M VND (~$4,000) | 1% | 2% | Withheld automatically from Payout and remitted; Seller receives a certificate. |
The threshold applies to gross sales (before commission), not net earnings. SariKo reports seller name, nationality, and annual gross sales to the Vietnam General Department of Taxation each year under Circular 40/2021 — the same process Shopee, TikTok Shop, and Lazada follow.
Intellectual Property
The Seller grants SariKo a non-exclusive, royalty-free license to use, display, and reproduce product images and descriptions uploaded to the Platform, solely to operate and promote the Platform. This license ends upon account closure. The Seller warrants ownership of all uploaded content.
Data and Privacy
SariKo processes Seller data under Decree 13/2023/NĐ-CP — identity documents, contact information, payout details, and transaction records — to operate the Platform and meet legal reporting obligations. Sellers may request access, correction, or deletion via poppet@sariko.store.
Term and Termination
This Agreement begins on account activation and continues until terminated. The Seller may terminate any time by written notice (outstanding Orders must be fulfilled). SariKo may terminate with 14 days' notice, or immediately for material breach, fraud, illegal activity, or off-platform solicitation. Upon termination, the storefront is deactivated and settled pre-termination Payouts are remitted in the next regular cycle, net of deductions.
Limitation of Liability
SariKo's total liability shall not exceed the Commission earned from the Seller's Orders in the 3 months preceding the claim. SariKo is not liable for lost revenue from buyer disputes, courier delivery failures, or VNPay payment delays.
Dispute Resolution & Governing Law
Buyer-Seller disputes: SariKo acts as neutral facilitator via its standard dispute process (evidence submission, 72-hour review, binding determination). Seller-SariKo disputes: good-faith negotiation for 30 days, then binding arbitration under VIAC (Vietnam International Arbitration Centre) rules, Ho Chi Minh City, in English. This Agreement is governed by the laws of the Socialist Republic of Vietnam.
General Provisions
This Agreement and SariKo's published Platform Policies form the entire agreement between the parties. SariKo may amend with 30 days' written notice. The Seller may not assign this Agreement without written consent; SariKo may assign to a successor entity. English governs in case of translation conflict. Notices to poppet@sariko.store (SariKo) and the Seller's registered email.
Filipino Seller Tax Summary — Quick Reference
Do I pay tax? Only above 100,000,000 VND/year through SariKo — below that, exempt. Over the threshold? SariKo automatically deducts 1% (goods) or 2% (services) and remits it — you get a certificate, no action needed. Need an MST? Not at first — only once you cross the threshold; SariKo helps you register. Philippine taxes? Your responsibility to declare Vietnam-sourced income to the BIR if required — consult a professional. Does SariKo report to the government? Yes, by law, every year — same as Shopee, Lazada, TikTok Shop.
Acceptance
By signing below, both parties confirm they have read, understood, and agree to be bound by all terms of this Seller Agreement, including its Schedules.
Refund Policy
SariKo holds every buyer payment in escrow until an order is confirmed delivered — that structure is what makes refunds straightforward on both sides.
The Core Protection
Eligible Refund Reasons
A buyer may raise a dispute within 48 hours of scheduled delivery if:
- The order was not received;
- The wrong items were received;
- Items arrived damaged in transit;
- The seller cancelled after payment was taken.
How to Request a Refund
Open the order in the app → tap "Raise a Dispute" → select the reason → submit evidence (photos, if applicable). SariKo reviews within 24–72 hours and makes a binding determination.
Refund Timeline and Method
If a dispute is upheld, a full refund is issued to the buyer's original payment method within 3–5 business days via VNPay. Since the order was still in escrow, the seller simply doesn't receive that Payout for the disputed order — no separate deduction from future earnings is needed.
What's Not Refundable
Delivery fees are non-refundable once the courier booking is confirmed, except where the delivery failure is the seller's fault. Buyer's remorse (change of mind on a correctly delivered order) is not an eligible reason under this policy.
Seller-Side Effect
A held or reduced Payout tied to an open dispute is disclosed to the Seller within 24 hours, per Section 04 of the Seller Agreement. Repeated upheld disputes against a single seller may be treated as a pattern under the Seller Agreement's termination clause (Section 09).
Escalation
SariKo's dispute decisions are final in the ordinary process. If you disagree, escalate to poppet@sariko.store — escalations are reviewed within 5 business days. Raising fraudulent disputes may result in account suspension.
Changes to This Policy
We may update this policy with 14 days' notice by email or in-app notification. The current version is always at sariko.store/refund-policy.
Privacy Policy
This Privacy Policy complies with Vietnam's Decree 13/2023/NĐ-CP on Personal Data Protection and Decree 52/2013/NĐ-CP on E-Commerce. By using www.sariko.store, you agree to the practices described here.
Who We Are
SariKo connects Filipino diaspora sellers in HCMC with buyers seeking Filipino food, goods, and services. It's operated by Zen Tech Asia Co., Ltd. (Tax ID / MST 0316852554), 195/3 Dien Bien Phu, Binh Thanh District, Ho Chi Minh City, Vietnam — a subsidiary of BridgeTech Labs, Inc., a Delaware C-Corporation (Entity ID 10332635) serving as the global holding and investment vehicle for the platform.
Zen Tech Asia Co., Ltd. is the data controller for personal data collected through www.sariko.store. SariKo acts as a marketplace intermediary — it does not own or manufacture goods sold by sellers.
What Data We Collect
| Category | What We Collect | Applies To |
|---|---|---|
| Account Identity | Email or Vietnam phone number, hashed password | Buyers & Sellers |
| Seller Identity (KYC) | Legal name, nationality, passport/ID, HCMC address, MST if applicable | Sellers only |
| Order Data | Items, quantities, amounts (VND), delivery address, timestamps, status | Buyers & Sellers |
| Payment Data | VNPay confirmation status only — no card/bank numbers stored | Buyers & Sellers |
| Seller Payout Data | Bank account name/number or e-wallet number | Sellers only |
| Usage Data | Pages visited, search queries, device/browser, IP, session duration | All users |
How We Use Your Data
Operating accounts and orders, processing payments and escrow, paying sellers, resolving disputes, tax reporting to the General Department of Taxation under Circular 40/2021/TT-BTC, KYC verification, service communications, and improving the platform (anonymised usage data).
How We Share Your Data
| Recipient | Data Shared | Purpose |
|---|---|---|
| VNPay | Payment initiation data, order amount | Processing buyer payments |
| Lalamove / GrabExpress / Ahamove | Delivery & pickup address, phone | Order fulfillment |
| Vietnam Gen. Dept. of Taxation | Seller name, tax ID, annual GMV | Legal reporting (Circular 40/2021) |
| Law enforcement | Data under valid legal process only | Legal compliance |
| BridgeTech Labs, Inc. | Aggregated, anonymised metrics only | Corporate reporting |
Data Storage and Security
Encrypted transmission (HTTPS/TLS), hashed passwords, access limited to authorised personnel, regular security reviews. Seller ID documents are visible only to compliance staff. Data is retained while an account is active or as required by law (typically 5 years for financial records).
Cookies and Tracking
Essential cookies: required for login, cart, checkout — cannot be disabled without breaking function. Analytics cookies: anonymous usage data only. No advertising or cross-site tracking cookies, and cookie data is never sold.
Your Rights Under Vietnamese Law
Under Decree 13/2023/NĐ-CP you have the right to know, access (response within 30 days), correct, delete (subject to legal retention requirements), object, withdraw consent, and complain to the Department of Personal Data Protection under the Ministry of Public Security. Exercise any right via poppet@sariko.store.
Children's Privacy
SariKo is not directed at anyone under 18. We do not knowingly collect data from minors; if we become aware of any, it is deleted promptly.
Changes to This Policy
Material changes are notified at least 14 days in advance by email or in-app notification. The current version is always at www.sariko.store/privacy-policy.
Contact and Data Requests
Company: Zen Tech Asia Co., Ltd. · Tax ID: 0316852554 · Address: 195/3 Dien Bien Phu, Binh Thanh District, HCMC, Vietnam · Email: poppet@sariko.store · Phone: +84 909 074 793. We aim to respond within 30 days.